Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (107094 reviews)

View other PayPal products

4.90

Based on 107,094 reviews, last reviewed 14th May 2026

2595000% increase in 5 star reviews

in the past 90 days

7600% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

I appreciate the 0% APR for 4 months for purchase ov... I appreciate the 0% APR for 4 months for purchase over 90£ promotion. Reviewed on: 14th May 2026

Latest lowest rating:

1

Watch out for hidden credit I bought a product from eBay with Paypal. The transaction was automatically put onto my PayPal credit balance that was previously at zero. I think it ... Read more Reviewed on: 14th May 2026

Read all reviews See your review

About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

PayPal PayPal Credit reviews (107094)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Excellent

I’ve been using PayPal for quite a while now, and it’s easily one of the most convenient ways to send and receive money online. The setup was straightforward, and linking my bank account and card only took a few minutes. What really stands out is how quick transactions are—payments go through almost instantly, which is perfect when splitting bills or making online purchases. Another big plus is the level of security. Knowing that my financial details aren’t shared directly with sellers gives me peace of mind, especially when shopping from unfamiliar websites. The buyer protection feature is also reassuring, as it adds an extra layer of confidence when making purchases. The mobile app is user-friendly and makes it easy to keep track of transactions, send money, or request payments on the go. I also like the flexibility of being able to pay in different currencies, which is helpful for international purchases. If I had to point out a downside, it would be the fees on certain transactions, particularly for currency conversions or receiving payments for goods and services. However, the convenience and reliability generally outweigh these costs. Overall, PayPal is a fast, secure, and widely accepted payment platform that I would recommend to anyone looking for a simple way to manage money online. Reviewed on: 6th May 2026

It has been easy to use, no issues and will definite...

It has been easy to use, no issues and will definitely use again when need Reviewed on: 6th May 2026

Makes life easier

PayPal helps me spread my purchase costs making buying easier. I like that I don’t have to give my card details to businesses I can just use PayPal. Reviewed on: 6th May 2026

Always quick and safe to use, ease of transfers and...

Always quick and safe to use, ease of transfers and receipt Reviewed on: 6th May 2026

I've never had any problems with PayPal it's a easy...

I've never had any problems with PayPal it's a easy way to pay for your purchases Reviewed on: 6th May 2026

Ive used PayPal now for many years, it's a company I...

Ive used PayPal now for many years, it's a company I trust and feel safe with, PayPal is my first choice when buying online, its also convenient if you fancy splitting your payments up, you are always kept upto date and in complete control through the app or website... the online security PayPal provides keeps me feeling safe.. Reviewed on: 6th May 2026

Positive and very quick experience.

Positive and very quick experience. Reviewed on: 6th May 2026

Mixed experiences with refunds for missing products...

Mixed experiences with refunds for missing products from my orders Reviewed on: 6th May 2026

Any time I've had to speak to customer service they'...

Any time I've had to speak to customer service they've always been extremely helpful. Reviewed on: 6th May 2026

Never had any issues.

Never had any issues.Used PayPal for many years. Reviewed on: 6th May 2026

Alternative products

Retail Finance
from Omni Capital Retail Finance 3.80 from 4 reviews
Payments
from PayPal 4.91 from 3715 reviews
Very Account
from Shop Direct 4.33 from 27 reviews

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub